LOAN RATES
We Have You Covered
Rates effective as of March 27, 2024, and are subject to change without notice.
Contact your local Fort McClellan Credit Union branch at (256) 237-2113 for more information about applicable rates and terms.
Vehicle & Motorcycle Loans
Terms | Loan Type | *APR |
|---|---|---|
36 Months | 2023 or Newer | as low as 5.75 |
48 Months | 2023 or Newer | as low as 6.00 |
60 Months | 2023 or Newer ($10,000 or more to Finance) | as low as 6.00 |
72 Months | 2023 or Newer ($20,000 or more to Finance) | as low as 6.25 |
84 Months | 2023 or Newer ($30,000 or more to Finance) | as low as 7.00 |
Terms | Loan Type | *APR |
|---|---|---|
36 Months | Used Auto | as low as 7.00 |
48 Months | Used Auto | as low as 7.25 |
60 Months | Used Auto ($10,000 or more to Finance) | as low as 7.25 |
72 Months | Used Auto ($20,000 or more to Finance) | as low as 7.50 |
84 Months | Used Auto ($40,000 or more to Finance) | as low as 8.25 |
*APR = Annual Percentage Rate. Rates are based on creditworthiness and other factors.
Boat Loans
Terms | Loan Type | *APR |
|---|---|---|
48 Months | New Boats | as low as 7.75 |
60 Months | New Boats ($10,000 or more to Finance) | as low as 8.00 |
72 Months | New Boats ($20,000 or more to Finance) | as low as 8.25 |
84 Months | New Boats ($30,000 or more to Finance) | as low as 9.00 |
120 Months | New Boats ($40,000 or more to Finance) | as low as 10.00 |
Terms | Loan Type | *APR |
|---|---|---|
48 Months | Used Boats | as low as 8.00 |
60 Months | Used Boats ($10,000 or more to Finance) | as low as 8.25 |
72 Months | Used Boats ($20,000 or more to Finance) | as low as 8.50 |
84 Months | Used Boats ($30,000 or more to Finance) | as low as 9.25 |
120 Months | Used Boats ($40,000 or more to Finance) | as low as 10.25 |
*APR = Annual Percentage Rate. Rates are based on creditworthiness.
Rate is based on year and model of collateral.
Other Secured Loans (UTV, ATV, Farm & Garden)
Terms | Loan Type | *APR |
|---|---|---|
48 Months | New | as low as 7.75 |
60 Months | New ($10,000 or more to Finance) | as low as 8.00 |
72 Months | New ($20,000 or more to Finance) | as low as 8.25 |
84 Months | New ($30,000 or more to Finance) | as low as 9.00 |
Terms | Loan Type | *APR |
|---|---|---|
48 Months | Used | as low as 8.00 |
60 Months | Used ($10,000 or more to Finance) | as low as 8.25 |
72 Months | Used ($20,000 or more to Finance) | as low as 8.50 |
84 Months | Used ($30,000 or more to Finance) | as low as 9.25 |
*APR = Annual Percentage Rate. Rates are based on creditworthiness.
Rate is based on year and model of collateral.
RVs
Terms | Loan Type | *APR |
|---|---|---|
48 Months | New | as low as 7.75 |
60 Months | New ($10,000 or more to Finance) | as low as 8.00 |
72 Months | New ($20,000 or more to Finance) | as low as 8.25 |
84 Months | New ($30,000 or more to Finance) | as low as 9.00 |
120 Months | New ($40,000 or more to Finance) | as low as 10.00 |
Terms | Loan Type | *APR |
|---|---|---|
48 Months | Used | as low as 8.00 |
60 Months | Used ($10,000 or more to Finance) | as low as 8.25 |
72 Months | Used ($20,000 or more to Finance) | as low as 8.50 |
84 Months | Used ($30,000 or more to Finance) | as low as 9.25 |
120 Months | Used ($40,000 or more to Finance) | as low as 10.25 |
*APR = Annual Percentage Rate. Rates are based on creditworthiness.
Rate is based on year and model of collateral.
Line of Credit
Loan Type | *APR |
|---|---|
Line of Credit, Open End (3% of Balance, Maximum $25,000) | as low as 11.5 |
*APR = Annual Percentage Rate. Rates are based on creditworthiness.
Personal Loans
Terms | *APR |
|---|---|
12 Months | as low as 9.50 |
24 Months | as low as 10.50 |
36 Months | as low as 11.50 |
48 Months | as low as 12.50 |
60 Months (Maximum $25,000, $10,000 or more to Finance) | as low as 13.50 |
*APR = Annual Percentage Rate. Rates are based on creditworthiness.
VISA Credit Cards
Loan Type | *APR | Terms & Conditions |
|---|---|---|
Up to $25,000 | as low as 9.90 | PDF |
*APR = Annual Percentage Rate. Rates are based on creditworthiness.
CD/Share Secured
Loan Type | *APR |
|---|---|
CD/Share Secured | 2% over Dividend Rate, 3% Minimum Rate, Not to exceed maturity of CD |
*APR = Annual Percentage Rate. Rates are based on creditworthiness.
CD/Share Secured up to 60 Months.
HELOC
Loan Type | *APR |
|---|---|
Home Equity Line of Credit | Call (256) 237-2113 for a Quote |
*APR = Annual Percentage Rate. Rates are based on creditworthiness.
Mortgage
Loan Type | *APR |
|---|---|
Mortgage | Call (256) 237-2113 for a Quote |
*APR = Annual Percentage Rate. Rates are based on creditworthiness.
*The Annual Percentage Rate (APR) you receive will be based on your credit worthiness. Please inquire on your qualifying rate. The rate may vary depending on each individual’s credit history and underwriting factors.
• Other secured loans include motorcycles, tractors, UTVs, ATVs
• LTV based on NADA retail for used or MSRP for new vehicles
• Rates subject to change. Call the Credit Union for the most current rates
Find the right financing from a variety of options to help you meet your needs.
Visit a branch and apply today!
